It's apparently a new service that's like PayPal, and it seems legit (I just signed up for it). You get $25 when you sign up (if you're over 18) and $10 for each new person you refer. Couldn't hurt to give it a shot.

Meh, I have nothing to lose myself. I'm up to my eyeballs in debt, have a shitty credit rating, and no one has anything to gain from stealing my identity so they're welcome to it. I'm probably just going to leave the money there until I found out what services will accept it, since it's not as widespread as PayPal yet.

It takes no time at all. To get your money you have to accept the transfer once you have an account, if you're wondering why it says "$0" when you first go in. They say all over the form "just two minutes and you're done!". Took me less time than that.